While you may know a lot about test scores, how much do you know about credit scores? One day, these scores will have an important influence over financial matters in your life, so it pays to learn about them sooner rather than later.

If you’re overwhelmed with high-interest credit card debt, or if you want to simplify your finances, you may want to consider a balance transfer. A balance transfer occurs when you move the amount you owe from one or more credit card accounts to another credit card, preferably one with a lower interest rate.